CHUBB Tourist Auto Southbound Insurance
(Foreign Plates in Mexico)
English Version - Courtesy Translation
First Section - Special Provisions
The Insurer is bound to compensate for damage suffered or caused only
within the stipulated territory established in the Policy’s declaration page,
inside the Mexican Republic, by the vehicle(s) insured which are listed in
the Certificate of Insurance and/or Policy Specification according to the
Special and General Provisions of this Policy and during it validity and
whose’ coverage appears as insured in the Certificate of Insurance and/or
Policy Specification.
This Policy shall not be valid in any jurisdiction other than the
courts of the Mexican Republic, and only the laws and legal
procedures in effect shall be applicable. Only the claims of
events that occur during the stay of the Insured within the
stipulated territory established in the Policy’s declaration
page, inside the Mexican Republic and within the period of the
Policy shall be effective.
Important: this Policy is not an all risk insurance Policy and
therefore it only covers the agreed mentioned risks and taken
out which are shown on the certificate of insurance and/or
Policy specification.
For this insurance coverage to be valid, all claims shall be
reported to the insurer before leaving the Mexican Republic. If
the insured does otherwise, the insurer shall be free of any and
all obligations of the contract of this Policy and shall not pay
any compensation derived from a claim affecting any of the
agreed coverages, except in the cases of force majeure or
unforeseen circumstances, as stated in the 9th Clause item b).
1st Clause. Definitions
For all purposes of this Policy, the following words and phrases shall have
these meanings unless the context requires a different meaning:
1. Transit accident
All external, sudden, unforeseeable and violent event, causing material
damage to one or more objects and/or injury to one or more persons,
involuntarily caused by the driver as a result of the Use of the Insured
Vehicle.
2. Insured
For the purposes of this insurance, the Insured is any person who drives the
insured vehicle with the consent, whether expressed or tacit, of its owner,
who could be a vehicle rental agency.
3. Insurer
This refers to Chubb Seguros México, S.A.
4. Impassable road
Road closed to traffic, destroyed, of difficult, rough or complicated
movement, which does not allow free movement of the insured vehicle, or
that are not recognized by the authority as a lane for vehicles.
5. Collision
It is the impact, in a single event, of the vehicle with one or more objects
including the vehicle itself and, as a result, suffers material damage.
6. Basic coverage
Insurance policies that have contracted only one or some of the coverages
specified in Clause 2. Insured Risk and Property, and that have not
contracted the coverage established in Clause 3. Platinum Coverage.
7. Contracting party
Natural or legal entity whose insurance proposal has accepted the
Insurer under the terms of this Policy, based on data and reports provided
by it, who has the legal obligation under the Policy, as well as payment of
the corresponding premium.
8. Deductible
Economic amount that is stated in the Policy to be deducted from any
payment, that is invariably borne by the Insured or Beneficiary as a result of
the involvement of some of the Coverage covered in the title page and/or
specification of this Policy.
9. Drunkenness
A drunken (or alcoholic) state shall mean having a blood alcohol content
of more than 80 milligrams per hundred square centimeters in the take
tests from the insured’s body. The professional opinion of an authority’s
expert, the results of toxicology taken tests, or the physical examinations
conducted by physicians or authorized medical institutions will be enough
proof for the Insurer to recover the payment in the event of a claim.
10. Policy
It is this insurance contract including its appendices, certificate of
insurance, specifications, other certificates and the endorsements sent
out by the Insurer, as well as the insurance application and
questionnaires, which represent proof of an insurance contract entered
into between the Insurer and the Insured.
11. Total Theft
It is the seizure of the Insured Vehicle against the will of the owner,
Insured or driver thereof, whether it is parked or in circulation.
12. Partial Theft
Partial Theft means the seizure by a third party of one or more parts of
the Insured Vehicle, against the will of the person who may use it under
the law.
13. Named Risks Insurance
Named Risks Insurance covers the Insured only for specifically described
risks in the Policy.
14. Vandalism
Destructive behavior that usually appears in public spaces with attacks
on the property of others and often expressed through violence, simply
to destroy someone else’s property.
15. Insured Vehicle
For the purpose of this insurance, the insured vehicle shall be understood
as the means of motorized transportation covered by the Insurer, which is
driven on conventional land roadways within the Mexican Republic; such
vehicles are:
• Private passenger automobiles.
• Pickup trucks.
• SUV and Cross Over Vehicles.
• Motor Homes.
• Vans and Minivans.
• Motorcycles.
• Trailers.
• Minivans.
• Wagons
• Recreational vehicles, as long as the accident occurs within conventional
roads.
The text of the Policy will invariably use the term “insured vehicle”, which
may relate to one or more vehicles insured inside the same Policy.
16. Rollovers
It is the event during which by the loss of control, the vehicle turns, flips
or rises, whole or in part, on the surface that it moves or circulates.
2nd Clause. Risks and Insured Property
Property Damage
When shown as covered in the Certificate of Insurance and/or Policy
Specification, the following risks shall be covered up to the amount of
the established limit in the Certificate of Insurance and/or Policy
Specification working as a combined maximum:
a) Collisions, Overturning and Glass Breakage
Property Damage suffered by the insured vehicle as a result of collision,
overturning and/or glass breakage.
b) Fire, Electric Storms, and/or Explosion
Property Damage suffered by the insured vehicle arising out of fire,
electric storms and/or explosion.
c) Forces of Nature
Property Damage suffered by the insured vehicle as a consequence of
cyclones, hurricanes, hail, earthquake, volcanic eruption, avalanche,
flooding caused by the overflowing of rivers, lakes or inlets, land or rock, slides
or sinking, collapse of buildings, structures and other similar objects, and
collapse of trees or their branches.
d) Strikes and Riots
 Property Damage suffered by the insured vehicle due to direct actions of
people taking part in work stoppages, strikes, labor disturbances, riots or
popular uprisings; malicious people during such acts or the repressive
measures taken by the legally recognized authorities intervening in those
acts as they exercise their duties.
Damages suffered by vandalism to the insured vehicle
are expressly excluded.
e) Transportation of the Insured Vehicle
Property Damage caused by stranding, sinking, fire, explosion, collision,
overturning, or derailment of the transport means in which the insured vehicle
is carried, either by land, air or water, including the fall of the insured vehicle into
the sea during the loading, transshipment or unloading of a ship and the
contribution of the Insured to the general average and the salvaging fees for
which the Insured might be liable.
f) Towing Expenses
For claims that deserve compensation under the terms of this Policy, the
Insurer will cover, up to the sublimit of the established limit in the Certificate
of Insurance and/or Policy Specification, the towing expenses necessary to
move the vehicle to the place designated by the Insurer to be repaired.
Expenses for the necessary maneuvers to leave the insured Vehicle in the
conditions needed to be moved are also covered.
We also cover the costs of the insured vehicle while impounded and/or its
custody for up to a maximum limit of $50.00 US Dollars per event.
Important: all repair costs for the insured vehicle shall be calculated
according to labor costs in effect in the mexican republic; otherwise,
the maximum cost established in the certificate of insurance and/or A. Hospitalization
Policy specification shall be applied in the event that the insured
vehicle is repaired in the United States of America or Canada.
B.
If the insured decides to move his/her vehicle to a place other than the
one designated by the insurer, or incurs expenses without the insurer’s
previous authorization, the insurer shall only cover repair costs up to C.
the limit established in the certificate of insurance and/or Policy
specification.
Deductible for 2.1 Property Damage D.
The Insurer shall pay for damages or property losses that exceed the
deductible established on the Certificate of Insurance and/or Policy E.
Specification, which will be shown as a percentage of the sum insured for
this coverage with a mandatory minimum amount which will need to be paid
by the Insured. This deductible shall be applied every time a compensable
accident occurs.
Deductible of Glass Breakage
For policies with a term equal to or greater than 6 months, and only for glass
breakage claims, the Insured will be charged with a deductible F.
corresponding to 20% of the replacement and installation value of the
affected glass.
2.1 Vehicle Total Theft
When shown as covered in the Certificate of Insurance and/or Policy
Specification, the total theft of the insured vehicle shall be covered, as well
as property damage suffered by the insured vehicle as a consequence of
its total theft, in the event that the Insurer is able to recover it and the Insured
wishes to keep it.
Deductible 2.2 Vehicle Total Theft
In each reported claim, the Insured shall be responsible for the payment of
the deductible in a percentage of the agreed limit with a mandatory
minimum, on the Certificate of Insurance and/or Policy Specification.
In the event of Property Damage as a result of the Total Theft, the Insurer
will only pay for damages that exceed the amount of the deductible
stipulated in section 2.2 Vehicle Total Theft.
2.2 Medical Expenses for Occupants of the Insured Vehicle
When shown as covered in the Certificate of Insurance and/or Policy
Specification, the cost of the medical expenses listed below, arising out of
bodily injuries suffered by the Insured, or any person occupying the vehicle,
in traffic accidents or as a consequence of the total vehicle theft using
violence while they are inside the closed cabin intended for the
transportation of people, shall be covered.
In the event of an incident affecting this coverage, the liability limits per
person and per event shall be those indicated in the Certificate of Insurance
and/or Policy Specification.
If, at the moment of the accident, the insured liability limit per person
multiplied by the number of occupants exceeds the limit per event, only the
limit per event distributed proportionally among the number of occupants
shall be paid. If there were a remainder of the limit to be distributed as a
result of the medical discharge of the rest of the injured people with the
expenses paid, or else, if the funeral expenses were paid for, this remainder
shall be taken and distributed again proportionally to cover the missing part
of the other injured without ever exceeding the liability limit per insured
person.
The Insurer will reimburse medical expenses, when these are made with a
different provider other that the one requested by the Insurer, when the
Insured due to force majeure or any fortuitus event, is forced to require
emergency medical attention derived from an accident in the insured vehicle
as a result of covered risk under this Policy. All reimbursements will be
subject to the 9th Clause, Obligations of the Insured in an event of a Claim.
The Insurer’s obligation shall automatically cease when the effects of the
injury disappear, either through recovery of the injured person or death of
the same as a consequence of the incident.
Medical Expenses for Occupants covered under this as a combined
maximum are:
Food and hospital room, physical therapy, related hospital expenses, and
in general, drugs and medicine prescribed by a doctor.
Medical Attention
All necessary medical services provided by licensed doctors, excluding
chiropractors.
Nurses
The cost of the services provided by nurses with a nursing degree or a
license to practice.
Ambulance Services
Expenses incurred for the use of a land ambulance, when necessary.
Funeral Expenses
The expenses paid under this are a sublimit of the coverage for the
medical expenses for occupants up to the limit, per person and per event,
indicated in the Certificate of Insurance and/or Policy Specification. The
maximum limit per event shall be proportionally distributed among the
number of deceased occupants, without exceeding the aforementioned
limit per person. Such expenses shall be reimbursed upon submission of
the respective receipts.
Loss of Body Parts
The expenses paid under this are a sublimit of the coverage for the
medical expenses for occupants up to the limit, per person and per event,
indicated in the Certificate of Insurance and/or Policy Specification if
during the validity of this insurance and as a direct result of a car accident
suffered by the Insured or any occupant, within 90 calendar days following
the date of the accident, the injury were to produce any of the losses
listed below, the Insurer shall pay the following percentages of the
aforementioned sublimit:
Compensation Table
For the loss of % Contracted
Limit
Life 100%
Both hands or both feet or the sight of both eyes 100%
One hand and one foot 100%
One hand or one foot and the sight of one eye 100%
One hand or one foot 50%
The sight of one eye 30%
The thumb of either hand 15%
The index finger of either hand 10%

The loss of any named part shall be understood as follows:
• For the loss of a hand: the mutilation, ankylosis or loss of the total
motor skills starting at the carpal metacarpal joint or above it (at the
wrist or above it);
• For the loss of a foot: complete mutilation, ankylosis or loss of the total motor
skills starting at the tibiotarsus joint or above it;
• For the loss of fingers: the mutilation, ankylosis or loss of the total
motor skills starting at the metacarpal or phalange metatarsal joint,
whatever the case, or above it (between the start and the end of the
knuckles);
• As for the eyes, the complete and irreparable loss of sight.
Deductible for 2.3 Medical Expenses for Occupants
This coverage works without a deductible.
2.3 Third Party Liability
When shown as covered in the Certificate of Insurance and/or Policy
Specification, the liability incurred by the Insured or any other person
operating the vehicle with the Insured’s consent, whether expressed or
tacit, and as a consequence of such use it causes damage to third parties
on their property and/or bodily injuries or the death of third parties (others
than the occupants), shall be covered, including the compensation for
moral damage, legally related.
The maximum limit liability of the Insurer in this coverage is established in
the Certificate of Insurance and/or Policy Specification and decreases with
every claim of the compensable amount in each event that involves liability
occurring during the validity of the Policy.
This coverage extends to the following risks, which does not mean an
increase in the sum insured contracted:
Third Party Liability for Cargo type “A”
This coverage protects the Civil Liability incurred by the Insured or any other
person operating the vehicle with the Insured’s consent, whether expressed
or tacit, and as a consequence of such use it causes damage to third parties
on their property and/or bodily injuries or the death of third parties Damage
with the cargo that the insured vehicle transports, as long as the cargo is
on board of the insured vehicle. The classification is limited to type “A”
cargo, for personal use vehicles only, which includes goods with a reduced
degree of danger in transport, such as, but not limited to: household Items,
clothing, toys, bicycles, plants.
Third Party Liability for Adaptations:
The Third Party Liability Coverage for Property Damage and Bodily
Injuries (Combined Sigle Limit), will be extended, when the Insured is
responsible for the accident and the insured vehicle is driven for personal
use only and causes damage with the following adaptations: roof baskets,
luggage rack, bicycle rack, tow bars or tow ball, bull bar, stirrups, as long
as they are correctly installed in the insured vehicle at the moment of the
accident.
For any other type of adaptation, they must be previously declared written
by the Insured to the Insurer and must appear described within the
Certificate of Insurance and/or Policy Specification.
Third Party Liability for the First Trailer:
The coverage of Third Party Liability for Property Damages and Bodily
Injuries (Combined Single Limit), will be extended, when the insured is
responsible for the accident and the insured vehicle is for personal use
and causes damage with the first trailer and/or with the cargo that the
same trailer transports, as long as the trailer is hooked and is towed by
the insured vehicle at the moment of the accident. This coverage does not
cover more than one trailer.
Deductible 2.4 Third-Party Liability
This coverage works without a deductible.
Special Equipment
When shown as covered in the Certificate of Insurance and/or Policy
Specification, Special Equipment shall be covered for the following risks:
a) Damage suffered by the special equipment installed in the vehicle as a
consequence of the risks indicated in coverage 2.1 Property Damage.
b) Theft, damage or loss of special equipment as a consequence of vehicle
total theft and the property damage or loss listed in coverage 2.2 Vehicle
Total Theft.
The cost of the special equipment of the insured vehicle shall be added to
the vehicle’s value, therefore constituting the sum insured for coverages
2.1 Property Damage and 2.2 Vehicle Total Theft.
For the purposes of this contract, special equipment shall mean lettering,
advertisements, radios, clocks, fog and spot lights, outside mirrors, visors
and other accessories and, in general, any part, accessory or sign
installed in, the insured vehicle in addition to the parts or accessories
originally adapted by the manufacturer in each model and specific type
launched into the market, provided they were installed by a mechanic shop
authorized by the brand of the vehicle, as long as the insured presents
proof of purchase and installation of the equipment.
The special equipment value will be stipulated in the Certificate of
Insurance and/or Policy Specification.
The maximum limit of compensation for this coverage will be the value of
the especial equipment less the corresponding depreciation, applying
10% depreciation rate per year from the date of acquisition of the especial
equipment. In no case the compensation will exceed the real value of the
goods at the date of the claim.
All sound and video equipment and game consoles inside the
insured vehicle and that have not been originally adapted by
the manufacturer are specifically excluded from the coverage
described in this coverage.
Deductible for Special Equipment
Invariably the same deductibles for coverages 2.1 Property Damage and 2.2
Total Vehicle Theft shall apply to this coverage.
Trailers and Boats
When shown as covered in the Certificate of Insurance and/or Policy
Specification, the following property shall be covered in addition to the
insured vehicle:
A. Personal Trailer
A Personal Trailer shall be understood as a boat trailer, trailer tent, motor
home or cargo trailer, excluding the household coverages and
personal belongings within.
The indicated Trailer in the Certificate of Insurance and/or Policy
Specification shall be covered for all the risks included in the following
coverages:
• 2.1 Property damage, even if the trailer is unhooked from the insured
vehicle.
• 2.2 Total Theft of the Trailer, even if the trailer is unhooked from the
insured vehicle
The description and value of the Trailer shall appear Certificate of
Insurance and/or Policy Specification.
The maximum limit of compensation for this coverage will be the
commercial value of the trailer on the date of the loss. In no case the
compensation will exceed the declared value.
In no case shall vehicles towing more than one trailer
be covered.
Deductible for Personal Trailers
Invariably the same deductibles for coverages 2.1 Property Damage and
2.2 Total Vehicle Theft shall apply to this coverage. Third Party Liability
works without a deductible.
B. Commercial Trailers and/or Leased
This Policy does not cover Leased Commercial Trailers unless mentioned
in the Certificate of Insurance and/or Policy Specification. The only
coverage that applies for Commercial Trailers are 2.1 Property Damage and
2.2 Total Vehicle Theft.

Description and value of the trailer must be declared in the Certificate of
Insurance and/or Policy Specification
The maximum limit of compensation for this coverage will be the commercial
value of the trailer on the date of claim. In no case the compensation will
exceed the declared value.
In no case vehicles towing more than one trailer at the same time will be
covered.
Deductible for Commercial Trailers and/or Leased
Invariably the same deductibles for coverages 2.1 Property Damage and
2.2 Total Vehicle Theft shall apply to this coverage. Third Party Liability
works without a deductible.
Boat shall be understood as the vessel indicated in the Certificate of
Insurance and/or Policy Specification Boats will be covered only while on
platform or boat that transports it.
The boat described in the Certificate of Insurance and/or Policy
Specification will be covered by all the risks described in following
coverages.
• 2.1 Property Damage, even when the platform or boat-trailer is hooked or
not to the insured vehicle.
• 2.2 Total Theft, when the platform or boat-trailer is hooked or not to the
insured vehicle.
The coverage does not apply:
• If the boat is separated from the platform or boat-trailer that
transports it.
• Damages suffered or caused to the Boat when it is being
embarked or disembarked from its platform or boat-trailer.
• If the boat is in the water.
The boat description and value must be declared on the Certificate of
Insurance and/or Policy Specification.
The maximum limit of compensation for this coverage will be the commercial
value of the boat on the date of the loss. In no case the compensation will
exceed the declared value.
Deductible for Boats
Invariably the same deductibles for coverages 2.1 Property Damage and 2.2
Total Vehicle Theft shall apply to this Item.
Motorcycles
Motorcycle shall be understood as any motorized vehicle with two or three
wheels intended for legal use on the street, which shall be covered by this
insurance as long as they are specifically indicated in the Certificate of
Insurance and/or Policy Specification.
The Motorcycle(s) shall be covered under all the contracted coverages
shown as such in the Certificate of Insurance and/ or Policy Specification,
except for coverage 2.3 Medical Expenses for Occupants,
which under no circumstances can be contracted for the use
of motorcycles.
In addition, the only coverage that could be agreed upon for mountain
motorcycles (“dune buggies,” ATVs, ATCs or mopeds) or any other
motorcycle that does not fit the aforementioned definition, are coverages 2.2
Total Vehicle Theft and 2.4 Third-Party Liability.
Deductible for Motorcycles
Invariably the same deductibles for coverages 2.1 Property Damage and
2.2 Total Vehicle Theft shall apply to this Item. No deductible will apply for
Third Party Liability coverage.
Exclusions – Motorcycles
In addition to the General exclusions set forth in this
agreement, for this paragraph shall apply the following
exclusions:
• Motorcycles towing a trailer or a side car.
• Motorcycles attached or “tied” to the insured vehicle
unless mounted on the bed of a pickup truck.
• Motorcycles running on rough dirt tracks, off road or on
non-conventional or illegal roads.
3rd Clause. Platinum Coverage
The Insured may contract the following fixed package called Platinum
Coverage, which offers the advantage of greater protection, in which the
coverages from Clause 2. Risks and Insured Property, are extended and
includes what its indicated below:
3.1 Property Damage
A. Vandalism
This means the intentional and malicious damage to or destruction of the
Insured Vehicle. The deductible amount established for coverage 2.1
Property Damage applies to this coverage.
B. Increased labor cost covered to repair damages suffered or caused
by the insured vehicle
The covered labor cost to repair the damages suffered by the insured
vehicle shall increase if the insured decides to repair the vehicle in the
United States of North America or Canada.
The maximum cost of labor per hour shall appear in the Certificate of
Insurance and/or Policy Specification, which expressed in dollars, the legal
currency in the United States of North America.
If the labor cost to repair the Insured Vehicle exceeds 60% of the Insured
Vehicle’s value, then it shall be considered a total loss according to the
11th Clause Assessment and Damage Compensation Section B further
described.
Limits
The amount indicated in the Certificate of Insurance and/or Policy
Specification under Coverage 2.1 Property Damage.
C. Deductible
A fixed deductible shall be applied, not a percentage of the limit; therefore,
a minimum deductible does not apply. This deductible shall on the
Certificate of Insurance and/or Policy Specification.
D. Deductible waiver when a responsible third party does not have car
insurance
The deductible of coverage 2.1 Property Damage will be eliminated derived
from a covered accident, as long as each and every one of the following
conditions are fulfilled:
• That the damage suffered by the insured vehicle is greater than the
deductible stipulated in the Declaration Page.
• There is a fully identified third party who has participated in the accident
through a motorized vehicle
• That the third party has been found guilty by the Mexican authority
and/or by the Insurer’s adjuster
• That the third party does not have an auto insurance Policy or their auto
insurance does not cover the Third Party Liability coverage or that the
contracted Third Party Liability limits are lower than the value of the
insured’s deductible or the third party’s Insurer denies for any
circumstance the coverage.
• In the event of a hit-and-run caused by a responsible vehicle that has
caused damage to the insured vehicle without the ability to identify the
responsible vehicle driver or owner, the insured must at least obtain the
license plate number of the responsible vehicle and comply with the
obligation to immediately report the accident to the Mexican authorities
and that the authorities determine that the third party vehicle was
responsible for the accident.
If, required by the Insurer, the Insured undertakes to carry out any
necessary paperwork or procedures to protect subrogation rights against
the responsible third party.
This coverage does not include the following third-party
vehicles:
 • Property adapted or available for the regular use of the
insured or any other family member and/or economic
dependent of the insured.
• Property of any government entity or agency.
• Functional on rails.
• In the case of Motorhomes, while parked for residential
use.
Exclusions - Deductible waiver when a responsible third
party does not have car insurance.
This coverage is excluded in the following cases:
• When the insured vehicle does not have the Property
Damage coverage contracted in their Policy.
• Iftheinsuredorlegalrepresentativereachedadirect
arrangementwiththepersonresponsible for the accident
without the consent of the Insurer.
• While the insured vehicle is used without the permission
or consent of the insured.
• When, in the event of hit and run, it has not been possible to
identify the responsible uninsured vehicle at least by the
license plate number or, if it is in possession of that
number, the insured has not informed the Insurer and
the Mexican authorities of his claim.
3.2 Vehicle Total Theft
Partial Theft
This coverage binds the Insurer to indemnify for the theft of permanently
installed parts and accessories in the Insured Vehicle, excluding sound
and video players and recording equipment such as radios, CB, UHF
and/or VHF radios, televisions and/or videogames consoles, unless
such equipment has been originally installed by the manufacturer of the
insured vehicle.
When agreeing upon this coverage, the Exclusion n) from the 4th CLAUSE
from the General Exclusions shall be automatically ineffective.
Deductible
A fixed deductible shall be applied, not a percentage of the limit; therefore,
a minimum deductible does not apply. This deductible shall appear in the
Certificate of Insurance and/or Policy Specification.
3.3 Medical Expenses for Occupants of the Insured Vehicle
a) Additional Sum Insured of the Limits for Medical Expenses for
Occupants
This coverage will increase the limit per event for Medical Expenses
for Occupants according to the amount shown on the Certificate of
Insurance and/or Policy Specification.
Without this, the Insured will not be able to agree upon a limit higher than
the one stipulated in the Certificate of Insurance and/or Policy
Specification.
b) Additional Sum Insured in excess of the Limits for Medical
Expenses for Occupants when a responsible Third Party does not
have car insurance
When an uninsured third party is liable for an accident (specifically
Third-Party Liability coverage), the limit of the coverage for Medical
Expenses for Occupants shall be increased according to the amount
established in the Certificate of Insurance and/or Policy Specification.
This coverage will take effect as long as the following conditions are fulfilled
There is a fully identified third party who has participated in the accident
through a motorized vehicle
• That the third party has been found guilty by the competent authority and /
or by the Insurer’s adjuster
• That the third party does not have an auto insurance Policy, or their
auto insurance does not cover the Third Party Liability coverage or that
the contracted Third-Party Liability limits are lower than the value of the
insured’s deductible or the third party’s Insurer denies for any
circumstance the coverage.
• In the event of a hit-and-run caused by a responsible vehicle that has
caused damage to the insured vehicle without the ability to identify the
responsible vehicle driver or owner, the insured must at least obtain the
license plate number of the responsible vehicle and comply with the
obligation to immediately report the accident to the Mexican authorities
and that the authorities determine that the escaped vehicle was
responsible for the accident.
If required by the Insurer, the Insured undertakes to carry out any
necessary paperwork or procedures to protect subrogation rights against
the responsible third party.
This coverage does not include the following third-party
vehicles:
• Property adapted or available for the regular use of the
insured or any other family member and / or economic
dependent of the insured.
• Property of any government entity or agency.
• Functional on rails.
• In the case of Motorhomes, while parked for residential
use.
Exclusions - Sum insured in excess for Medical Expenses to
occupants when a responsible third party does not have car
insurance.
This coverage is excluded in the following cases:
• If the insured or legal representative, reached a direct
arrangement with the person responsible for the
accident without the consent of the Insurer.
• While the insured vehicle is used without the permission
or consent of the insured.
• When, inthe event of a collision and escape, it has not been
possible to identify the responsible uninsured vehicle at
least by the registration number or, if it is in possession of
that number, the insured has not informed the Insurer of
his claim and the Mexican authorities.
Deductible
No deductible applies.
3.4 Third-Party Liability
Additional Sum Insured of the Limits for Third-Party Liability
This coverage will increase the limit per event for Third-Party Liability
according to the amount shown on the Certificate of Insurance and/or
Policy Specification.
Without this coverage, the Insured will not be able to contract a limit higher
than the one established in the Certificate of Insurance and/or Policy
Specification with this Insurer.
Deductible
No deductible applies.
4th Clause. General Exclusions
Under no circumstances this insurance will cover:
a) Any indirect injury, expense, loss or damage suffered
by the insured, including the loss of vehicle use.
b) Civil liability for death or for bodily injury suffered by
the driver of the insured vehicle or another occupant,
except for medical expenses covered in the section on
medical expenses for occupants. It does not assume
liability for international offenses that occur to the
owner or driver of the vehicle.
c) Except for any written agreement done otherwise, the
expenses and fees for legal defense of the driver, the
 insured or the owner of the indicated vehicle in criminal
proceedings due to any accident; it does not cover the
cost of bonds, fines or guarantees of any kind, nor does
it cover penalties or any obligation other than damage
repair.
d) The services for which the insured is liable due to
accidents suffered by the occupants of the vehicle which
result in criminal liability or professional risks.
e) Liability when material damage is caused to:
• Property found in the insured vehicle.
• Property found in the custody or liability of the
insured, driver or owner of the insured vehicle.
• Property that belongs to employees, agents or
representatives of the insured, driver or owner of
the insured vehicle, while they are in the premises
of the latter.
• Property that belongs to people that are financially
dependent on the insured, driver or owner of the
insured vehicle.
f) Liability for damage to third parties when people are
financially dependent on the insured, or when they are
at their service at the time of the loss
g) Third Party Liability for damages caused by the Cargo
• When at the time of the accident, the cargo transported
by the insured vehicle corresponds to a type of cargo
with greater danger than cargo type A.
• Damage caused by the cargo during loading and
unloading maneuvers on the insured vehicle, or if
the trailer and/or semi-trailer is unhooked from the
insured vehicle.
• Damage caused by the cargo transported by the
insured vehicle, when its means of transport
does not comply with the limits and specifications
established by the manufacturer or by current and
applicable regulations.
• Any damage suffered or caused to the
transported cargo and/or its containers or
means of transport.
• Any damage due to the cargo towards the vehicle
and/or trailer that transports it.
h) Property loss or damage suffered or caused by the vehicle
due to driving on non- conventional roads or conventional
roads in impassible conditions.
i) When the vehicle is directly involved in speed or
resistance competitions or safety tests.
j) Damage suffered or caused by the insured vehicle when
it is used for the teaching or driving or operation training.
k) Damage suffered or caused by the insured vehicle
when it is being used to tow vehicles, trailers or boats,
unless the trailer, vehicle or boat is specifically covered
in this Policy.
l) Damage suffered or caused by the insured vehicle
when its driver does not have a valid license or permit
to drive in Mexico or the equivalent from his/her country
of origin and of a suitable type to drive the insured
vehicle, unless he/she cannot be accused of any serious
guilt, lack of skill or negligence in the accident.
m) Damage suffered or caused by the vehicle when driven
by a person under the influence of alcohol or
unprescribed drugs if these circumstances directly
influence in causing damage in the accident, unless the
driver cannot be accused of any serious guilt, lack of
skill or negligence in the occurrence.
n) Theft of parts or accessories unless it is a direct
consequence of total theft of the insured vehicle, unless
platinum endorsement has been purchased as
described in the 3rd clause of the specific provisions of
this Policy.
o) Vandalism is excluded unless the insured has acquired the
platinum endorsement mentioned in the 3rd clause of the
specific provisions of this Policy.
p) Property Damage suffered by the insured vehicle
due to lack or loss of oil in the engine,
transmission, gearbox, etc., Or due to lack or loss
of water in the radiator.
q) Mechanical failure or lack of resistance of any part of
the insured vehicle as a result of its use, unless directly
caused by one of the risks covered by this Policy.
r) Loss or damage inflicted on the insured vehicle as a result
of military activity, whether due to foreign or civil war,
insurrection, subversion, rebellion, invasion,
expropriation, requisition, confiscation, seizure or
detention by legally recognized authorities in the
exercise of their duties, or due to any other similar cause
in which they intervene in such
acts. Loss or damage suffered or caused by the insured
vehicle will not be covered when it is used for any military
service with or without consent of the insured.
s) Loss or damage caused by the normal action of tides,
even if it causes flooding as a consequence of exposing
the insured vehicle to the tide.
t) Loss or damage due to natural wear of the insured vehicle or
of its parts, as well as depreciation of the vehicle.
u) Damage suffered or caused by the insured vehicle for
overloading it or submitting it to excessive traction for
its resistance or capacity. In these instances, the insurer
is not liable for damage inflicted on viaducts, bridges,
avenues or any other public route or underground object
or facility, whether due to vibration or to the vehicle’s
weight or that of its load.
v) Third Party Liability for moral damage to occupants of the
insured vehicle.
w) Injuries and automobile accidents caused by the driver
when the vehicle is used for suicide or any other similar
intent or voluntary mutilation, even if the driver is in a
state of mental insanity.
x) Any acknowledgement of debt, transaction or any other
judicial act of similar nature, done or concerted without
the consent of the insurance company. The above
according to the provisions of article 148 of the law on
the insurance contract
y) There is no coverage of medical expenses for people
who occupy any trailer even if the trailer is covered by
this Policy.
z) Vehicles used for public transport or for the transport of
goods.
aa) The loss or damage sustained or caused by an insured
vehicle registered in the Mexican Republic.
bb) Any type of claim or loss occurred outside the limits of the
States of the Mexican Republic stipulated as such in the
Application, Declaration Page and/or Policy Specification.
5th Clause. Sums Insured
The Insured shall be responsible for setting and updating the LIMITS
indicated on the Certificate of Insurance and/or Policy Specification; they
shall constitute the maximum limit of responsibility of the Insurer in the event
of an occurrence and shall be set according to the following:
1. In the case of paragraphs 2.1 Property Damage and 2.2 Vehicle Total
Theft, the sum insured for private cars, pick-up trucks, mobile homes and
motorcycles shall be the value declared by the insured that appears on the
Certificate of Insurance and/or Policy Specification.
If the Insurance Company decrees the total loss of the vehicle, for Property
Damages or Vehicle Total Theft, they will pay up to the maximum contracted
limit shown on the Certificate of Insurance and/or Policy Specification, while
never exceeding the reference value described below:
I. In the event of having contracted only Basic Coverage:
a) Average value located in the section “Buy from a Private Party effective
on the date of the loss and published by Kelley Blue Book Co., California,
United States.
b) In case of failure to meet the reference value of the insured vehicle in the
guide described in the preceding paragraph, we will use the “Average
Trade-In” published by N.A.D.A. “National Automobile Dealers
Association” or “CCC Information Services”, effective on the date of the
loss.
c) For vehicles with a Salvage history previous to its insurance in this
contract and/or are restricted or prohibited for circulation in the country
of origin, and the Certificate of Title includes the legend “Salvage”, “Parts
only”, “Destruction”, “Assembled parts”, “Dismantlers”, “Non
repairable”, “Non re-buildable” “Not street legal”, “Junk”, “Crush”,
“Scrap”, “Seizure/Forfeiture”, “Off highway use only”, “Not eligible for
road use”, the Insured Sum shall be 50% of the value that corresponds
according to the provisions of subsections a) or b) above mentioned.
II. In the event of having contracted the Platinum Endorsement:
a) Average value located in the section “Buy from a Dealer” effective on the
date of the loss and published by Kelley Blue Book Co., California, United
States, which can be searched in www.kbb.com.
b) In case of failure to meet the reference value of the insured vehicle in the
guide described in the preceding paragraph, the “Trade-In” published by
N.A.D.A. “National Automobile Dealers Association” or “CCC
Information Services”, effective on the date of the loss.
c) For vehicles with a Salvage history previous to its insurance in this
contract and/or are restricted or prohibited for circulation in the country of
origin, and the Certificate of Title includes the legend “Salvage”, “Parts
only”, “Destruction”, “Assembled parts”, “Dismantlers”, “Non repairable”,
“Non re-buildable” “Not street legal”, “Junk”, “Crush”, “Scrap”,
“Seizure/Forfeiture”, “Off highway use only”, “Not eligible for road use”,
the Insured Sum shall be 50% of the value that corresponds according
to the provisions of subsections a) or b) above mentioned.
2. For coverages 2.3 Medical Expenses for Occupants and 2.4 Third-
Party Liability, the limit will be set through a mutual agreement by the
Insured and the Insurer.
3. For coverages 2.5 Special Equipment and 2.6 Trailers and Boats, the
limit must be set according to the real value, supported by an appraisal
or invoice value.
6th Clause. Reinstallment of Sums Insured
All compensations paid by the Insurer shall equally reduce the limit of any of
the coverages affected by the claim; however, if the Insured requests it, it
may be reinstated upon the Insurer’s approval and with the payment of the
corresponding additional premium.
7th Clause. Currency
Both the Premium charge and compensations to be paid by the Insurer
shall be made in US dollars or the equivalent in national currency
following the monetary law in effect. Payments in foreign currency will be
paid in Mexican Pesos according to the exchange rate established to settle
liabilities named in foreign currency payable in the Mexican Republic,
published by the Bank of Mexico in the Official Journal of the Federation
(Diario Oficial de Ia Federación) on the date of payment.
8th Clause. Territoriality
This Policy applies only to losses, claims and lawsuits within the limits of
the United Mexican States, except when the Insured contracts the Policy
with a territorial limit of coverage, in which case the Policy applies only to
losses, claims and lawsuits within the territorial limits declared in the
application, declaration page and/or Policy Specification.
9th Clause. Obligations of the Insured in Case of a Claim
In the event of a claim, the insured is bound to:
a) Cautions: When an incident happens, the Insured will be bound to
exercise all actions to avoid or minimize damage. If there is no danger due
to the delay, he/she will ask for directions from the Insurer and must abide
by them.
Expenses incurred by the Insured which are not specifically inadmissible will
be covered by the Insurer and if the Insured acts according to the Insurer’s
instructions, these expenses will be paid in advance.
If the Insured does not comply with the aforementioned duties, the Insurer’s
liability will be limited to compensating the Insured for the suffered damage
only up to the amount that would have been paid had the Insured complied
with such obligations.
b) Claim Notification: When an occurrence covered by this Policy takes
place, the Insured will be bound to notify the Insurer as soon as he/she
knows about the incident within a maximum 5 day period, except in cases
of force majeure or unforeseeable circumstances, thus notifying upon the
end of the mentioned event and before leaving the Mexican Republic;
failure to notify within the herein stated period of time shall result in reducing
the compensation to the amount that would have been paid had the Insurer
received prior notification.
If the Insured fails to notify the Insurer within the Mexican Republic, the
Insurer shall be freed from all its obligations derived from this Policy.
The insurer will have the right to require the insured or a beneficiary all sorts
of information about the facts related to the incident and by which the
circumstances of their realization of the claim can be determined as well as
the consequences of the same.
c) Notice to the authorities: Submit formal complaint before the competent
Mexican authorities, in the case of theft or other criminal acts that can be
a cause of claims under this Policy, as well as cooperate with the insurer to
achieve the recovery of the vehicle or of the amount of damages suffered.
d) Concurrence of Coverages: In case of concurrence of coverages, the
Insured will have the obligation to present the claim to the insurer of his
country of origin. Likewise when the insured drives inside toll roads, he will
need to cooperate and submit a claim against the toll road insurer, to the
Secretary of Communications and Transportation (SCT) or to any other
involved party in the concurrency.
e) Remittance of documents: The Insured is bound to inform the Insurer, as
soon as he/she gains knowledge, of claims or legal disputes received by
him/her or his/her representative(s), remitting the documents or copies
received by him/her.
If the Insured fails to comply with this obligation, the Insurer will be freed from
covering any corresponding compensation to the affected coverage due to a
claim. The Insurer shall not be bound to acknowledge debts,
transactions or any other legal act of a similar nature made or
agreed upon with its consent. The admission of a material fact
cannot be considered acknowledgement of liability.
f) Insured cooperation and assistance to the Insurer. At the expense of
the Insurer, the Insured is bound in all civil proceedings that could be
started against him/her due to liability covered by the Insurance:
• To provide necessary information and evidence required by the Insurer to
defend the Insured at the expense of the Insurer, if necessary, or when the
Insured does not appear in court,
• To exercise and assert the actions and defenses that by law corresponds to
the Insured,
• To appear at all civil proceedings,
• To grant the lawyers, whom the Insurer assigns, powers to represent
him/her in the subpoenaed civil proceedings if he/she cannot directly
intervene in all processes of such proceedings.
g) In the event of theft or any other criminal act which could result in a covered
claim by this Policy, the Insured will immediately notify the corresponding
Mexican authorities and will cooperate with the Insurer in order to recover
the vehicle or the suffered damage amount. In all cases, the Insurer will
acknowledge or reject its liability within 30 days following the date in which
it receives all corresponding documentation.
h) Upon request, the Insured shall grant the Insurer, or whom the Insurer
designates, vast powers of attorney to manage the defense or settlement
of any claim in his/her name, or to continue the claim for the compensation
of damages or any other third-party claim in his/her name and to his/her own
advantage as soon as possible.
The Insurer shall have full freedom for the process management or
settlement of any claim and the Insured will provide any necessary
information or assistance.
i) Any assistance that the Insurer or its representatives offer to the Insured
or third parties should not be construed as acceptance of the claim’s
admissibility.
10th Clause. Other Insurance
The Insured is bound to immediately give written notification to the Insurer
about the existence of any other Insurance hired with another Insurer for
the insured vehicle, covering the same risks and for the same interest,
indicating the limit and the names of each one of the Insurers, according to
article 100 of the Insurance Contract Law (Ley Sobre el Contrato de
Seguro).
In accordance with article 102 of the Insurance Contract Law, another or
other Insurance(s) covering the same insurable interest, entered into in
good faith with the same or different dates and for a higher total amount of
the value of the insured interest, will be valid and will bind each Insurer
institution to the entire amount of suffered damage within the limits of
liability that were Insured.
If the Insured intentionally withholds the aforementioned, or if he/she buys
multiple Insurances to get an unlawful benefit, the Insurer will be freed of
its obligations.
11th Clause. Assessment Bases and Damage Compensation
If the Insured has fulfilled the obligations of the 9th Clause Obligations of
the Insured b) Notification of an Occurrence and the insured vehicle is free
of any detainment, seizure, confiscation or any other similar situation
carried out by the legally recognized Authorities who intervene in such acts
in the exercise of their duties, the Insurer will be bound to begin the
assessment of damage without default.
If the Insurer does not carry out the suffered damage
assessment caused by the vehicle within the 72 hours
following notification of the event, as long as it is in
accordance with the previous paragraph, the Insured has
the right to proceed with the repairs and demand the
amount from the Insurer described in this Policy, unless that
for imputable reasons to the Insured, the damage
assessment cannot be made. Completed the valuation and
recognized its responsibility, notwithstanding the
information in article 71 of the Insurance Contract Law, upon
finishing the evaluation and acknowledging its liability, the
Insurer will indemnify the owner of the Insured Vehicle with
the suffered damage assessment amount t accordingly to
the date the loss happened.
Once the evaluation is begun by the Insurer, the suffered or caused
damage will not be recognized if the Insured has proceeded in the repair
of the vehicle without prior written consent of the Insurer, since this would
not allow the Insurer to know about the existence or magnitude of the
occurrence and the acts that concurred or influenced the event.
A. Partial Losses
Compensation of partial losses shall be comprised of the invoice value of
parts and labor plus the taxes that they incur in. In all cases, upon making
the assessment of losses, the price of parts or accessories on the date the
loss happened shall be taken into consideration.
If the Insured chooses to carry out the vehicle’s repair in his/her country of
origin, labor costs may not be higher than the labor costs stipulated in the
Certificate of Insurance and/or Policy Specification.
In the event that the vehicle suffers damages requiring sold-out parts for
its repair, the Insurer’s liability shall be limited to paying the Owner of the
Insured Vehicle the amount for those parts according to the list price at
dealerships, plus the installation cost agreed upon by the Insurer and the
Insured or, if an agreement cannot be reached, it will be settled by an
expert’s opinion.
The corresponding deductible will be decreased from the affected sections
over the above calculated amounts.
B. Total Losses
When the valuation made by the Company, proves that the Property
Damage to the Vehicle exceeds 60% of the sum insured that corresponds
to the contracted Policy at the time of the loss, the Company, previous to the
authorization of the Insured, may consider the vehicle as a total loss;
however payment may not in any case exceed 75% of the commercial value
stipulated in clause 5th. Insured Amounts minus its respective deductible,
since it is a foreign vehicle temporarily imported into national territory and in
no case the Company will pay and/or acquire the property salvaged from the
Vehicle.
If the assessment made by the Company for Property Damage exceeds
75% of the sum insured, the Company will consider that the Vehicle is a
Total Loss and only pay 100% of the Commercial Value minus your
deductible once the Insured confirms donation and destruction of the vehicle
by Mexican authorities through the corresponding records or when the
Insured delivers to the Company, by endorsement, the Certificate of Title of
the country of origin, exempt from any tax, otherwise the salvage value of
the compensation will be deducted.
If for some reason or reasons attributable to the Insured, after 60 days from
the date of loss the compensation cannot be paid out; the total loss will be
compensated based on the Commercial Value of the Vehicle, as described
in the preceding paragraphs, but instead of taking into account the value at
the date of the loss, the value will be taken from the date on which all
documents required for processing the compensation are delivered to the
Company.
In the case of Total Theft, the Company will pay the liability limit specified in
clause 5. Insured Amounts, as long as the Insured delivers the Certificate of
Title from the country of origin, exempt from any tax, minus the applicable
deductible.
C. Guidelines for the Repairs of the Damages to the Insured Vehicle
The Insurance Company’s responsibility is to locate potential suppliers that
offer repairs and spare parts in the market, confirming their existence and
availability to stock up as well as verify that the workshop or agency installs
the spare- parts that have been requested and the repair is done adequately.
Spare parts will be replaced only when repairs cannot be guaranteed or have
visible esthetic damages.
The repair time involved depends on the existence of spare parts, as well as
the proper and necessary workmanship and painting, the Insurance
Company must inform the Insured through the workshop, agency or
representative the time in which the insured vehicle will be delivered as well
as the process and progress of the repair, providing a maximum delivery of
20 (twenty) business days from the date the Insured has delivered the
vehicle to the Company or repair center. This period may be extended ten
(10) business days more when there are unfavorable circumstances in the
verifiable supply of parts and/or damaged components. In the event that,
after the previous deadline, there were no spare parts available due to not
having enough shortage, such period shall be extended and will be extended
until the spare parts necessary for the repair are available, the Insurance
Company shall inform the Insured any change in the delivery of the insured
vehicle.
The availability of parts is subject to inventories by the Manufacturer,
Importer and/or Distributor so it is not a matter of this contract the
enforceability to the Insurance Company in cases of widespread shortages.
If there is no stock or there are general shortages of the required spare parts
or the Insured does not accept the Insurance Company’s estimated repairs,
it may choose to indemnify the valued amount considering the provisions in
the conditions applicable in the compensation.
The warranty repair is subject to that offered by the Manufacturer, Importer
or Distributor of spare parts, as well as those provided by the workshop or
agency regarding workmanship.
Notwithstanding the provisions above, in the event of damage undetected
at the time of valuation and it is as a result of the loss claimed, the Insured
shall notify the Insurance Company and submit the vehicle for evaluation
and, if applicable, the corresponding repairs.
12th Clause. Compensable Proportion
In no case shall the Insurer apply compensable proportion.
13th Clause. Contracting the Use of Electronic Media
The Insured has the option of making use of electronic means (these being
understood as equipment, optical or any other technology, automated data
processing systems and telecommunications networks), for the execution
of services or operations related to this Insurance Contract and that are
available by the Company. The use of the aforementioned electronic means,
without the Contractor and/or Insured having objected before their first use,
will automatically imply the acceptance of all the legal effects derived from
them, as well as the terms and conditions of their use.
The terms and conditions of the use of electronic media are available (prior
to their first use) on the Company’s website: https://www.chubb.com/mx-
es/condiciones-generales.aspx
Second Section – General Provisions
1st Clause. Premium
The premium for this Policy shall be the addition of the premiums of all the
mentioned coverages on this Policy and shall be due at the moment of
entering into this contract.
The premium agreed upon may be paid by the Contracting Party either directly
to the insurance agent or through an automatic charge made by the Insurer to
a credit or debit card or bank account when the Policy is bought through
Internet.
While the Company does not deliver the premium payment receipt, the pay
stub appears where the appropriate charge for the insurance premium or, in
the case where the premium is paid by direct debit, credit card, debit card
or bank account, the statement where the corresponding charge appears
will be full proof of payment of the premium.
Given the characteristics of this insurance, the collection of the premium
shall always be done in one installment.
2nd Clause. Past Due Interest
In the event that the Insurer, despite having received the documents and
information that allows it to know the basis of the presented claim, does not
fulfill the obligation of paying the compensation, capital or lease, in terms of
article 71 of the Insurance Contract Law (Ley Sobre el Contrato de Seguro),
it will be bound to pay the Insured, beneficiary or affected third party, in the
terms established in article 276 of the General Law of Insurance and Bond
Companies (Ley General de Instituciones de Seguros y Fianzas), a
compensation due to delay according to what is established in this article.
Interests shall be calculated starting the day after the due date referred to in
article 71 of the Insurance Contract Law (Ley Sobre el Contrato de Seguro).
“Art. 276 General Law of Insurance and Bond Companies”.- If an Insurance
Institution does not comply with the obligations contracted in the insurance
contract within the terms established for its compliance, it must pay the
creditor a compensation for default, in accordance with the following:
I. Obligations in national currency shall be denominated in Investment
Units, at their value on the expiry date of the terms indicated in the initial part
of this Article, and their payment shall be conducted in national currency, at
the value of the Investment Units on the date in which it is carried out, in
conformity with the provisions of the second paragraph of fraction VIII of this
Article.
Further, the Insurance Institution shall pay a default interest on the
obligation denominated in Investment Units, in accordance with the
provisions of the preceding paragraph, which shall be capitalized monthly
and whose rate shall be equal to the product of 1.25 multiplied by the cost of
attracting long-term funding denominated in Investment Units of the multiple
banking institutions in the country, published by the Bank of Mexico in the
Official Gazette of the Federation, corresponding to each of the months in
which the default persists;
II. When the principal obligation is denominated in foreign currency, in
addition to the payment of that obligation, the Insurance Institution shall be
obligated to pay a default interest which shall be capitalized monthly and
calculated by applying, to the obligation itself, the percentage that results
from multiplying 1.25 by the cost of attracting long-term funding
denominated in US dollars, from the multiple banking institutions in the
country, published by the Bank of Mexico in the Official Gazette of the
Federation, corresponding to each of the months in which the default
persists;
III. In the event that on the date in which the calculation is made, the
entities have not published the reference rates for the calculation of the
default interest cited in fractions I and II of this Article, the rates of the
immediately preceding month shall be applied; and for cases in which said
rates are not published, the default interest shall be calculated by multiplying
1.25 by the rate that replaces it, pursuant to applicable provisions;
IV. The default rates referred to in this Article shall be generated per day as
of the expiry date of the terms referred to in the initial part of this Article and
until the day in which the payment provided for in the second paragraph of
fraction VIII of this Article is carried out.
For its calculation, the reference rates referred to in this Article must be
divided by three hundred and sixty five and multiply the result by the number
of days corresponding to the months in which the noncompliance persists;
V. In case of repair or replacement of the damaged object, the
compensation for default shall consist only of the payment of the interest
corresponding to the currency in which the principal obligation has been
denominated, pursuant to fractions I and II of this Article, and shall be
calculated over the amount of the repair or replacement cost;
VI. The rights of the creditor to the compensatory services provided herein
are unwaivable. Any pact that intends to extinguish or reduce them shall be
void of any legal effect.
These rights shall arise by the mere lapse of the term provided by Law for the
payment of the principal obligation, whether it is cancelled at the time or not.
Once the amount of the principal obligation is set pursuant to the agreement
between the parties or in the definitive resolution issued in legal proceedings
before a judge or arbitrator, the compensatory services provided in this
Article must be covered by the Insurance Institution over the amount of the
principal obligation determined thereby;
VII. If in the respective trial resulting from the complaint, even when
payment of compensation for default set forth in this Article was not claimed,
the judge or arbitrator, in addition to the principal obligation, shall condemn
the debtor to also cover those benefits pursuant to the above fractions;
VIII. The compensation for default consisting of the system upgrade and
interests referred to in sections I, II, III and IV of this Article shall apply in all
types of insurance, except in the case of surety bonds to guarantee claims
related to non- payment of tax credits, in which case it will be governed by the
provisions of the Tax Code of the Federation.
The payment carried out by the Insurance Institution shall be done in one
single payment that includes the total balance for the following:
a) The default interest;
b) The adjustment referred to in the first paragraph of fraction I of this Article,
and
c) The principal obligations.
In the event that the Insurance Institution does not pay in one
installment the totality of the sum of the obligations assumed in the
insurance contract and the compensation for default, the payments
carried out shall apply to the indicated in the order provided in the
preceding paragraph, for which the compensation for default shall
continue to accrue, pursuant to the terms of this Article, over the
amount of the unpaid principal obligation until its covered in its
entirety.
When the Institution files a defense motion that suspends the proceeding of
execution provided for in this Act, and a final ruling is issued by virtue of which
the challenged acts remain intact, the corresponding payment or charge must
include the compensation for default that the principal obligation has
generated up until that moment, and
IX. If the Insurance Institution, within the legal terms and conditions, does
not carry out the payment of compensation for default, the judge or National
Commission for the Protection and Defense of Users of Financial Services,
as applicable, shall impose a fine of 1000 to 15000 Salary Days.
In the case of the administrative procedure of execution provided for in Article
278 of this Act, if the Insurance institution, within the legal terms or conditions,
does not carry out the payment of the compensation for default, the
 Commission shall impose upon it the fine indicated in this fraction, upon
request of the corresponding executing authority pursuant to fraction II of this
Article”.
3rd Clause. Salvages
This being an insurance Policy of temporarily imported tourist autos into
national territory, in the event of a Total Loss by Property Damage, it is
understood that in no case the Company will acquire the property salvaged
from the Insured unless it is expressly agreed with the Company. The
Insured is obligated to repatriate at their own cost the wreckage to
their country of origin. In case that the Company agrees to take possession
of the remains in exchange for the endorsed Certificate of Title from the
country of origin exempt of any tax, the Company may proceed with the total
destruction or transfer abroad for sale as salvage.
In the case of Total Theft, if the insured vehicle was recovered by the
Company at a subsequent date to the corresponding compensation, it is
expressly agreed by the parties that the Company may proceed with the
total destruction or transfer abroad for sale as salvage.
4th Clause. Loss of the Right to Compensation
The Insurer will be freed of all its obligations:
• If it can be proven that the Insured, the Beneficiary or either
representative, willingly misleads, conceals or inaccurately declares
facts that can be excluded or that may limit such obligations, in
accordance with the articles 8, 9, 10, 47 and 48 of the Mexican Lawon
the Insurance Contract.
• If during the incident the Insured, the Beneficiary or their respective
assignees act(s) by fraud or in bad faith.
• If it is proven that the Insured, the Beneficiary or either one’s
representatives, willingly misleads, do(es) not provide the requested
information by the Insurer regarding related facts to the claim and
with which the circumstances and consequences of its occurrence
could be determined in a timely manner.
• The Insured shall notify the Insurance Company of the essential
increase risk during the term of the Policy, within twenty-four hours
of the time they know. If the Insured omits the notice or if he causes
an essential aggravation of risk, full obligations of the Insurance
Company hereinafter shall cease.
5th Clause. Early Termination of the Contract
The parties explicitly agree that this contract can be canceled before its
maturity date:
When the Insured cancels the contract, it shall do so through a written
notification to the Insurer. If such cancellation is done within the first 20 days
of the Policy, the Insurer shall have the right to the premium that corresponds
to the number of days of the period in which the Policy was effective,
according to the registered daily rate before the National Commission of
Bonds and Insurances (Comisión Nacional de Seguros y Fianzas) for this
contract and shall reimburse the Insured the remaining premium. Given the
characteristics of this insurance, after twenty days, the Insurer shall
automatically earn the total amount of the premium and will not reimburse
any amount to the Insured.
When the Insurer cancels the contract, it shall do so through a written
notification to the Contracting Party, and such cancellation shall be effective
15 days after the party has been notified. The Insurer shall reimburse the
proportional unearned premium to the time of the Policy’s remaining validity
no later than when making such notification. If this premium is not
reimbursed, the contract shall be considered as not canceled.
The Company will return the premium corresponding to the Client within 10
(ten) business days of the cancellation request, by check or via bank transfer,
according to the request of the Contracting Party.
6th Clause. Arbitration
In the event of disagreement between the Insured and the Insurer about the
amount of any loss or damage, the case shall be submitted to the opinion of
an expert, appointed by mutual consent in writing by both parties; however,
if the parties could not agree on the appointment of an expert, two shall be
appointed, one from each party, which will be done within 10 days from the
date in which one of them had been required by the other party in writing to
do so. Before beginning their duties, both experts shall designate a third
expert in the event of a dispute.
If one of the parties refuses to appoint an expert or simply does not do it when
required by the other party, or if the experts do not agree in the designation
of a third expert, it shall be the judicial authority who, by request of any of
the parties, appoints the expert, the third expert, or both if necessary.
In the event of the death of any of the parties, when the party is an individual,
or its dissolution, when a corporation, while the expert’s report is being
processed, the powers of the expert, experts or the third expert, whichever
the case is, will not be canceled or affected; or, if any of the experts of the
parties or the third party died before issuing its opinion, he/she shall be
replaced by the appointment of the parties, the experts or the judicial
authority.
All costs and expenses incurred by the expert’s report shall be paid by the
Insurer and the Insured in equal parts, but each one shall cover the fees of
their own expert.
The expert’s report referred to in this Clause does not imply the acceptance
of a claim by the Insurer; it shall simply determine the amount of the loss
that the Insurer would eventually be bound to compensate, leaving the
parties free to exercise the actions and oppose the corresponding
exceptions.
7th Clause. Prescription
All actions derived from this Insurance contract shall expire in two years,
computed from the date of the event that originated them, according to
Article 81 of the Insurance Contract Law (Ley Sobre el Contrato de Seguro),
except for the special cases indicated in Article 82 of the aforementioned
Law.
The statute of limitation shall be interrupted not only by ordinary causes, but
also by the appointment of experts or by the initiation of a conciliatory
proceeding established in Article 68 of the Act for the Protection and
Defense of Users of Financial Services (Ley de Protección y Defensa al
Usuarlo de Servicios Financieros).
In addition, the statute of limitation shall be suspended upon presentation of
the claim before the Insurer’s Specialized Unit for Attention of Inquiries and
Claims
8th Clause. Jurisdiction
In the event of a dispute, claimers should assert their rights before the
Insurer’s Specialized Unit for Attention of Inquiries and Claims (Unidad
Especializada de Atención de Consultas y Reclamaciones de Ia
Aseguradora) or at the National Commission for the Protection and Defense
of Users of Financial Services (Comisión Nacional para Ia Protección y
Defensa de los Usuarios de Servicios Financieros, CONDUSEF) and by their
choice, determine the jurisdiction by territory, based on the address of any of
their branches, in terms of articles 50 Bis and 68 of the Act for the Protection
and Defense of Financial Services Users (Ley de Protección y Defensa al
Usuario de Servicios Financieros) and 136 of the General Law of Insurance
and Mutual Companies (Ley General de Instituciones y Sociedades
Mutualistas de Seguros). The foregoing within two years of the occurrence
that originated it, or in its case, from the denial of the Financial Institution to
satisfy user claims.
If the parties fail to submit themselves to the arbitration of CONDUSEF, or
whomever CONDUSEF appoints, the rights of the claimer shall remain
untouched so that they can be asserted before a judge with jurisdiction
based on the branches’ address. In any case, it is the claimer’s choice to
turn to the referred authorities or directly to the aforementioned judge.
The claimer waive to any other jurisdiction that may correspond by reason
of his residence, so the territory to resolve any dispute or controversy will be
solely within the Mexican Republic territory and under applicable laws in this
country.
9th Clause. Communications
All statements or communications related to the present Contract shall be
given in writing to the Insurer at its corporate address. In all cases in which
the address of the Insurer’s offices is different from that shown on the issued
Policy, the Insurer shall inform the Insured of the new address in the
Mexican Republic for all information and notices to be sent to the Insurer
and for any other legal purposes.
The requirements and communications that the Insurer must send to the
Insured or its assignees shall be valid if sent to the last known address by
the Insurer.
10th Clause. Subrogation
The Insurer shall subrogate up to the amount paid, in all rights and actions
against third parties that correspond to the Insured as a result of the
suffered damaged. At the Insurer request, the Insured shall record the
subrogation on public deed at the Insurer’s expense.
The Insurer will be released of all or part of its obligations if the subrogation is
impeded by facts or omissions from the Insured.
If the damage was partially compensated, the Insured and the Insurer shall
agree to assert their rights in the proportion that corresponds to them.
The right to subrogation shall not proceed in the event that the Insured has
a marital or kind relationship or affinity up to the second degree or civil, with
the person that has caused the damage, or if he/she is liable for it.
Pursuant to the deductible applicable in the Insurance Policy by the Insured,
the amount of any recovery will be applied first to cover the part spent by
the Insurer and the remainder, if any, will correspond to the Insured.
11th Clause. Language
The English text of this Policy is a courtesy text; in the event of a dispute
and for all legal purposes, the Spanish text shall prevail.
. person omits the notice or if it causes an essential aggravation of the
12th Clause. Article 25 of the Insurance Contract Law
If the contents of the Policy or its amendments do not concur with the offer,
the Insurer can request the corresponding correction within 30 days
following the day in which the Policy is received. After this period of time
has elapsed, the provisions of the Policy or its amendments shall be
deemed accepted.
13th Clause. Commissions or Compensations
While the Policy is in effect, the insured and/or Contracting Party can
request from the Insurer in writing information about the percentage of the
premium that corresponds to the agent or corporation, either in
commission or direct compensation, for its intervention in the execution
hereof. The Insurer shall provide such information in writing or
electronically no later than 10 business days after the date in which the
request is received.
14th Clause. Delivery of Contractual Documents
In compliance with the orders of the Comisión Nacional de Seguros y
Fianzas chapter 4.11 from the sole document of Insurance and Surety
submitted on December 19, 2014, Chubb Seguros México, S.A. is required,
in adhesion contracts concluded under the marketing through telephone,
Internet or other electronic means, or through a service provider referred to
the Articles 102 and 103 from the Insurance and Surety Institutions whose
premium payment is made under a credit card or bank account, to make
known to the insured contractor on how he/she can obtain the relevant
contractual documentation and the mechanism to cancel the Policy or,
where appropriate, how to ask us not to automatically renew the same,
based on the following assumptions:
a) Chubb Seguros México, S.A. shall deliver to the insured or
Contracting Policy, the documents stating the rights and obligations under
the insurance contract through one of the following means:
i. Personally, at the moment of purchasing the Policy;
ii. Home delivery by the Company means used for such purposes.
iii. Via email, with the prior consent of the Contractor and/or Insured.
For this purpose, the Insured or Contracting Party will choose the way in
which they wish the referred contractual documentation to be delivered.
If the Insured does not have an email or for whatever reason cannot make the
delivery of the contractual documentation in this way or it can’t be delivered
when the insurance is purchased, the alternative means for delivery will be
to send it to their address, used by means of the Company for such purposes.
b) If the Insured or contractor does not receive, within 30 days of this
insurance, the documents mentioned above, must communicate to 800 223
2001 in the Mexican City or the rest of the Republic with the objective that by
using means that the Company has available could obtain such
documentation.
If the last day for submission of documentation is not labored, it is understood
that the term referred to above shall expire on the next business day.
c) To cancel this Policy or request that it not be renewed, the insured shall
take the following steps:
i. Call 800 223 2001 in Mexico City or the rest of the Republic;
Provide information as requested by the operator, in order that the operator
can verify the Policy and the existence of the client;
i. Send the signed cancellation request together with a copy of an official
ID with signature to the fax number and/or email that will be provided
during the call;
ii. Once you have submitted the information from the previous step, the
Insured and/or Employer may call 800 223 2001 in Mexico City or the
rest of the Republic, to confirm receipt of documents and request the
folio number of the cancellation.
Clause 15ª. Risk Aggravation
The obligations of the company will cease by right due to the essential
aggravations that the risk may have during the course of the insurance
in accordance with the provisions of Article 52 and 53 section I of the
Law on the Insurance Contract.
“The Insured must notify the insurance company of the essential
aggravations that the risk may have during the course of the insurance,
within twenty-four hours after they become aware of them. If the insured
risk, the obligations of the company will cease from right in the future”.
(Article 52 of the Law on the Insurance Contract).
“For the purposes of the previous article, it will always be presumed:
I.- That the aggravation is essential, when it refers to an important fact for
the appreciation of a risk in such a way that the company would have
contracted under different conditions if when entering into the contract
it had known a similar aggravation;
II.- That the Insured knows or should know about any aggravation that
emanates from acts or omissions of his tenants, spouse, descendants
or any other person who, with the consent of the insured, inhabits the
building or has in his possession the furniture that is matter Insurance”.
(Article 53 of the Law on the Insurance Contract).
In relation to the above, the insurance company will not be able to get rid
of its obligations, when the breach of the notice of the aggravation of the
risk has no influence on the claim or on the extension of its benefits.
(Article 55 of the Law on the Insurance Contract).
“In cases of fraud or bad faith in aggravation of risk, the insured will lose
the anticipated premiums”. (Article 60 of the Law on the Insurance
Contract).
The obligations of Chubb Seguros México, S.A. will be extinguished if it
shows that the Insured, the Beneficiary or the representatives of both, in
order to make it fall in mistake, conceal or inaccurately declare facts that
would exclude or could restrict said obligations.
The same will be observed in the event that, for the same purpose,
documentation on the facts related to the loss is not sent to you in time.
(Article 70 of the Law on the Insurance Contract).
Therefore, the obligations of the company will cease by right, if the
Contracting Party(ies), Insured(s) or Beneficiary (ies), in the terms of Article
492 of the Law of Insurance and Bonding Institutions and the AGREEMENT
by which the general provisions referred to in article 492 of the Law of
Insurance and Bonding Institutions, applicable to insurance institutions and
mutual insurance societies are issued, is(were) convicted by means of a
judgment definitive that has caused status, for any crime related or derived
from what is established in Articles 139 to 139 Quinquies, 193 to 199, 400
and 400 Bis of the Federal Criminal Code and / or any article related to
organized crime in national territory; Such judgment may be issued by any
competent authority of the local or federal jurisdiction, or if the name of the
Contracting Party(ies), Insured(s) or Beneficiary(ies), their activities, goods
covered by the policy or their nationalities are published in an official list of
crimes related to the provisions of the aforementioned articles, whether of a
national or foreign nature from a government with which the Mexican
Government has concluded any of the international treaties on the subject
aforementioned, in terms of section X provision Thirty-ninth, section VII
provision Forty-fourth or Provision Seventy-seventh of the AGREEMENT by
which the general provisions referred to in article 492 of the Law of Insurance
and Bonding Institutions, applicable to institutions and mutual insurance
companies.
Where appropriate, the contract obligations will be restored once Chubb
Seguros México, S.A., becomes aware that the name of the Contracting
Party(s), Insured(s) or Beneficiary(s) is no longer present. in the lists
mentioned above.
Chubb Seguros México, S.A. shall consign before the competent
jurisdictional authority, any amount derived from this Insurance Contract
could remain in favor of the person or persons referred to in the previous
paragraph, in order for said authority to determine the destination of the
resources. Any unearned amount paid that is paid after the fulfillment of the
conditions previously indicated, will be consigned in favor of the
corresponding authority.
In compliance with Article 202 of the Law of Insurance and Bonding
Institutions, the contractual documentation and technical note comprising
this insurance product, they were registered with the Comisión Nacional
de Seguros y Fianzas, as of the December 18th, 2020, under number
RESP-S0039-0008-2020.
Invitation to Consult RECAS
You can access this Policy through the RECAS (Registry of Insurance
Adhesion Contracts) of the National Commission for the Protection and
Defense of the User of Financial Services (CONDUSEF), which you can
access through the following electronic address : 1. In order to for the Assistance and Travel Benefit to take effect the
https://phpapps.condusef.gob.mx/recas/
Designated Legislation in The Insurance Contract
The articles cited in these General Conditions can be consulted on te
following internet site:
Insurance and Surety Institutions Law
http://www.cnsf.gob.mx/Normativa/Paginas/LeyesReglamentos.as
Insurance Contract Law
http://www.cnsf.gob.mx/Normativa/Paginas/LeyesReglamentos.as
Protection and Defense Law for Users of Financial Services
http://www.condusef.gob.mx/index.php/conoces-la-condusef/marco-jurídico
Monetary Law for he United States of Mexico
http://www.diputados.gob.mx/LeyesBiblio/ref/lmeum.htm
Federal Criminal Law
http://www.diputados.gob.mx/LeyesBiblio/pdf_mov/Codigo_Penal_Federal.p
df
Chubb Seguros México, S.A.
Av. Paseo de la Reforma, No. 250, Torre Niza, Piso 15, Col. Juárez,
Alcaldía Cuauhtémoc, CP 06600, Ciudad de México
Specialized Unit for Customer Care and Service
Av. Paseo de la Reforma No. 250, Torre Niza, Piso 15, Col.
Juárez,Alcaldía,Cuauhtemoc,
C.P. 06600, Ciudad de México.
Toll Free from Mexico: 800 223 2001 E-mail:
uneseguros@chubb.com
Office Hours: Monday to Thursday from 08:30hrs to 17:00hrs and
Fridays from 08:30hrs to 14:00hrs
National Commission for the Protection of Users of Financial
Services (CONDUSEF)
Av. Insurgentes Sur #762, Col. Del Valle,
C.P. 03100,Ciudad de México.
You can get to know the offices in the rest of the country in the
following internet page www.condusef.gob.mx/index. php/oficinas-de-
atención E-mail: asesoria@condusef.gob.mx
Toll Free from Mexico: 800 999 8080 If you are calling from a U.S.
Phone Line: 011 52 (55) 5340 0999
In compliance with Article 202 of the Law of Insurance and Bonding
Institutions, the contractual documentation and technical note comprising
this insurance product, they were registered with the Comisión Nacional
de Seguros y Fianzas, as of the December 1st, 2020, under number CNSF-
S0039-0525-2020/CONDUSEF-004669-03
It may be consulted using the following link: www.chubb.com/mx
Third Section - Assistance Services and TravelBenefits
1. Terms and Conditions for Assistance Services
If they appear as covered on the Declaration Page and/or Policy
Specification, the Insurer will grant through the assistance service provider
with whom it has entered into a contract and whose identification and
contact information appear on the Declaration Page and/or Policy
Specification. The Provider will coordinate and/or provide assistance
services. Notwithstanding that the mentioned services will be provided by
the Provider, the Insurer will be solely responsible to the Insured for the
performance of the Provider under this Insurance Contract. The Insured will
be protected by the Federal Consumer Protection Law for any claim that he
wishes to establish against the Provider.
insurance Policy must be in force and must be held at the time that it
requires assistance. It should be clarified that assistance should be
provided as covered in the Declaration Page and/or Policy Specification.
2. The person who appears as the Contractor on the Declaration Page
and/or Policy Specification and the person who drives the vehicle (with
the authorization of the Contractor) shall be identified for the purposes
of these terms and conditions as “the Insured”.
3. The person(s) accompanied by “the Insured” within the vehicle shall be
identified for the purposes of this Policy as “Occupants”.
4. For the claim reported to be covered by this Policy, it must be in Mexican
territory and during the current period of the Policy.
5. The covered risks by this Policy are limited to those risks exclusively
described in the “Coverage Description” section.
6. The “Service Provider” is defined as “The Company” which is a third-party
contracted by the Chubb Seguros México,
S.A. to provide the services outlined in this document.
7. The Spanish text contains the official conditions of this contract, and in
the event of any conflict, the Spanish text shall prevail. The English text
of this Policy is a courtesy translation without any legal effects.
All claims must be reported before you leave the Mexican Republic.
Any unreported claim will be subject to denial. By the above please
call 800 that appears on the cover of your Policy to report a claim
before you leave the republic of Mexico.
In case of accident, theft and/or requesting legal, travel or medical
assistance in Mexico, please call the toll-free number 800 that appears on
the Certificate of Insurance to report your claim. The Claims Call Center is
working 24 hours, 365 days.
Note: Some cellular phones or satellite phones may work differently
depending on what type of Mexican service your phone company provides.
Upon entering Mexico, we highly recommend you to test these claims phone
numbers to make sure these phone numbers work with your type of phone.
USA or Canada cell phone in Mexico: 52 55 4195-5348 Mexico cell phone:
55 4195-5348
If you cannot connect with any of the above phone numbers, then your
phone does not have the proper service for Mexico. We recommend you to
locate a Mexican telephone such as a pay phone or a phone located at a
hotel, restaurant, with a friend or a family member.
1. AutomobileAssistance Services in Mexico
Assistance services will be provided only within the Mexican Territory
(Mexico) to the insured vehicle 24 hours a day, 365 days a year.
1.1 Towing Service
In case of an automobile accident or mechanical breakdown which does
not allow movement of the vehicle driven under the Insured’s
responsibility, The Service Provider shall provide and cover the towing
 service cost to the nearest repair shop within the city or state of the
Mexican Republic in which the event takes place up to a US$1,000 limit.
If the Insured wants to tow the vehicle to another place other than the
closest mechanical workshop, the Provider will tow the vehicle to the
place indicated by the insured without exceeding the maximum transfer
limit for this U.S. coverage. US$1,000 It should be clarified that, if this
sum is exceeded, the excess cost will be covered by the Insured. This
service is provided exclusively within the Mexican Republic.
The service mentioned in the previous paragraph will extend to the trailer
and its contents, including, but not limited to boats, cars, boxes or personal
objects, even when these have not been declared in the Policy, damaged
or broked down. The sum insured by the set of towed units must not exceed
the maximum limit stipulated in the previous paragraph.
In case of Total Theft recovered, the Provider will cover the cost of a tow
truck service of the impound lot where the insured vehicle is located to the
place indicated by the Insurer. The maximum limit of this coverage will be
US$1,000 this service is provided exclusively within the Mexican Republic.
In the event of a Total Loss declared by the Insurer and at the request of
the Insured, if the Insured wants to move the insured vehicle to a place
other than the nearest mechanic shop, the maximum towing limit in this
coverage will be US$1,000 it should be clarified that if this amount is
exceeded, the excess cost will be covered by the Insured. This service is
provided exclusively within the Mexican Republic.
In all cases, the Insured must be present during the towing of the vehicle.
The following vehicles are explicitly excluded from the towing service:
Vehicles with a 3.5 tons capacity or over, appointed vehicles to public
transportation or cargo, such as federal vehicles, local vehicles, taxis,
minibuses, buses and rental vehicles within the Mexican Republic.
However, if the driven vehicle by the Insured weighs over 3.5 tons and such
vehicle is for personal use, and is considered as an RV, the weight
exclusion shall not apply.
1.2 Basic Roadside Assistance
Regarding the insured vehicle by the Policy, The Service Provider shall
cover the following basic roadside assistance within the Mexican Republic:
A. JUMPSTART SERVICE
The Service Provider will send a mechanic or technician to jump start the
automobile. However, The Service Provider will not be responsible for
any damage caused to the vehicle or any electrical parts, nor systems
due to the jump start.
B. TIRE CHANGE
The Service Provider will arrange to have the flat tire replaced with the
spare tire of the insured vehicle or have the tire inflated for trip
continuation. In case the tire must be replaced, the Insured must have
a spare tire in good conditions.
C. GASOLINE SUPPLY
If the insured vehicle runs out of fuel, The Service Provider will arrange
the necessary fuel to get to the next fuel station. The cost of gasoline up
to 10 liters will be paid by the Provider, the rest must be paid by the
Insured. Maximum 3 events during the term of the Policy.
D. LOCKSMITH
If the Insured accidentally locks the keys inside the car, the Company
shall send a locksmith to open the car up. The parts’ cost to open the car,
or to subsequently operate the car, will be the responsibility of the
Insured.
E. OTHER LIQUIDS SUPPLY
If the Insured vehicle should need some type of liquid to continue with
the trip, the Insured must request this to the telephone operator and if
possible the Company shall send help at Insured’s expense and with his
previous authorization. Maximum cost per event US$100.
F. EXTENSION OF ROAD ASSISTANCE TO THE POLICY HOLDER
The Provider undertakes to extend the assistance 1.1 Towing Service
and 1.2. Basic Assistance on the Road, only to the Policy Holder of the
Automobile Insurance Policy, when he drives any vehicle other than
the insured vehicle, as long as it has the same characteristics of use
and service, which are stipulated on the Certificate of Insurance. The
above benefits will be subject to the particular conditions, terms and
exclusions of coverage 1. Automotive Assistance Service in Mexico.
Important: In all cases, the Insured must be present while the Provider’s technician
provides services to the insured vehicle.
1.3 Rental Car Payment Due to a Covered Accident or Total Theft of The
Insured Vehicle
If the workshop where the repairs are taking place deems that the repair of
the insured vehicle will last over 72 hours, the Insured will be able to rent a
vehicle (same characteristics) for a maximum period of 20 (twenty) days,
with a maximum cost of US$50 per day or its equivalence in Mexican Pesos
using the exchange rate at the time of payment, as long as the Insured fulfill
the rental company requirements for the rental of the vehicle. The cost
indicated in this paragraph will be paid by the Provider, in case it exceeds the
amount or days indicated, the rest must be paid by the insured. This
coverage operates in Mexico, the USA and Canada derived from this tourist
auto Policy.
In the case of Total Theft covered by the insurance Policy, the rental of a car
will be covered with a maximum period of 20 (twenty) days with a maximum
cost of US$50 dollars or its equivalent in Mexican pesos daily at the
exchange rate at the time of the payment, as long as 10 days have elapsed
since the theft occurred and the unit has not been recovered. In case the
unit has already been recovered after within 10 days of the theft, the
coverage will apply in the same way, in order to provide support to the
insured to manage the corresponding procedures for the release of the unit.
The cost indicated in this paragraph will be paid by the Provider, in case it
exceeds the amount or days indicated, the rest must be paid by the Insured.
The car rental will be subject to the acceptance rules of the
Rental Car Company. Neither the Insurer nor the Provider will
pay under this coverage for any accident, damage or liability
resulting from the use of this service.
1.4 Hotel Expenses Due to Mechanical Failure, Accident or Total Theft of
the Insured Vehicle
In the event that the insured vehicle is involved in a claim or theft covered
under this Policy that results in the insured vehicle being unavailable for use
for a period greater than 72 hours, the Provider will cover the cost of
Accommodation of the Insured for a maximum period of 5 (five) days, with a
maximum cost of US$100 dollars or its equivalent in Mexican pesos at the
exchange rate of the payment day.
The accommodation will be subject to the acceptance rules of the hotel
company. Neither the Insurer nor the Provider will pay under this
coverage for any accident, damage or liability resulting from the use
of this service.
2. Medical assistance
2.1 Telephonic Medical Assistance in all Mexican Republic (24 Hrs/365
days)
Upon the Insured’s request, the Company, through its Telephone Medical
Assistance team, will help the Insured to obtain the corresponding diagnosis
through the following means:
a) Sending a doctor to the patient’s location.
b) Such doctor will accompany him/her if necessary, to a medical center.
The expenses and service fees derived from a medical visit shall be covered
by the Insured, who will pay directly to the corresponding doctor or medical
center. The Service Provider shall offer the aforementioned service in the
main cities in the Mexican Republic. In other locations, The Service
Provider will do anything possible to try to help the Insured to contact a
doctor or a hospital as fast as possible, as well as to obtain the best price
and service conditions available.
The Company’s medical assistance team will NOT offer any
diagnosis.
Neither the Service Provider nor the Insurer shall be held liable
regarding the service or practices offered by the
aforementioned doctors or medical institutions, which shall
remain their sole responsibility.
2.2 Land Ambulance Transportation
In case the Insured or the Occupants (5 people maximum) suffer grave
illness or accident, which provokes bodily injuries or traumas that The
Service Provider medical equipment, working with the designated doctor,
recommend hospitalization, The Service Provider will cover the land
ambulance cost, without any limit, to the closest medical center to the
 place of the accident within the Mexican Republic, and the most
appropriate medical center regarding the required treatment. If necessary
and for medical reasons, such service will be provided under medical
supervision.
2.3 AirAmbulance Due to Emergency
In case the Insured or the Occupants (subject to a maximum limit of five (5)
persons), suffer an illness or serious accident, that require an air
ambulance, the service Provider will provide it to move the Insured to the
closest hospital where medical attention and adequate service may be
provided.
The service Provider will provide such transportation under medical
supervision to the nearest hospital from the place of the accident within the
Mexican Republic.
If due to personal preference, the Insured decides to be transported by air
ambulance to his/her place of origin or to a city in the United States of
America or Canada, independently from his health status, The Service
Provider will provide transportation options; and the cost will be absorbed
by the Insured.
2.4 Transportation or Repatriation in Case of Death
In case of death of the Insured or Occupants (maximum 5 Occupants), the
Company will carry on with all the necessary procedures with the public
authorities and will also process the repatriation and/or the body transportation,
and/or incineration and/or the ashes transportation in case the Insured’s or
Occupant’s permanent residence is in the USA or Canada.
2.5 Trip Continuation for Occupants in Case of an Extended
Hospitalization.
In case one of the Occupants (maximum 5 Occupants), require
hospitalization for over 5 days due to a serious accident, The Service
Provider will cover:
a) An airplane or bus ticket per Occupant to continue the trip, subject to the ticket
price does not exceed the cost of the ticket to the Insured’s and Occupants’
permanent place of residence. The covered trip shall be within the Mexican
territory, the USA or Canada.
b) A ticket per Occupant to the place of residence in the Mexican Republic, the
USA or Canada. The Service Provider shall pay for special transportation if
The Service Provider medical team deems it necessary and only if the
person is not able to travel in a commercial transportation.
2.6 Transportation or Repatriation in Case of Serious Accident or Death
If the Insured and or driver is hospitalized for over five days, due to a car
accident or in case of death, The Service Provider shall cover the
transportation expenses of the Occupants (5 Occupants maximum) to their
place of permanent residence, as long as it is located within the Mexican
Republic, USA or Canada. This coverage shall only apply if the trip may not
be continued without the Insured or driver. It is also possible to cover the
expenses to the original destination place, as long as the cost does not
exceed the cost back to the place of residence. The Service Provider shall
only be responsible to pay tourist class transportation.
2.7 Round Trip Ticket and Hotel Stay for an Appointed Person
With the objective that the Insured has company, in case the Insured is
hospitalized within the Mexican Republic due to a serious illness or
accident, if the hospitalization lasts over 5(five) calendar days and the
Insured were traveling without the company of another adult, The Service
Provider shall offer and cover a round trip ticket payment (in tourist class,
from the permanent residence of the Insured or the appointed person by
the Insured) as long as such residence is in the USA or Canada. The
Service Provider shall also coordinate and cover the expenses for hotel
stay for the appointed person by the Insured up to a maximum of
MXN$1,000 (one thousand) Mexican pesos per day or its equivalent in
American Dollars per day during 5 (five) calendar days.
In case of death of the Insured, The Service Provider will provide the same
service as in the last paragraph but only for an immediate relative of the
Insured for recovering the body and making the necessary arrangements
2.8 Hotel Payment for Convalescence in Case of Illness or Serious Accident
The Provider will organize and cover the necessary expenses for the
prolongation of the stay in a hotel chosen by the beneficiary immediately
after being discharged from the hospital and prescribed by the treating
physician. This benefit will be provided according to the following
requirements:
1. That the convalescence begins immediately (the same day) after being
discharged from the Hospital or Clinic.
2. The amount of compensation provided for this clause will be up to
US$60 per day and up to a maximum of 10 consecutive calendar days.
3. Convalescence is understood as the state of the person who gradually
recovers after having suffered an illness or having undergone medical
treatment due to a serious accident.
2.9 Coordination for Emergency Dental Assistance
In the event that the Insured suffers dental problems that require
emergency treatment, The Provider will organize a consultation with a
specialist to help him with the treatment of pain, infection and extraction of
the affected tooth. The cost of the treatment must be paid by the Insured.
2.10 Coordination for the Replacement of Eyeglasses or Contact
Lenses
In case of loss or damage to the Insured’s glasses or contact lenses, the
Provider will coordinate an appointment with an optometrist to take their
prescription and proceed to replace the lenses. The cost of the lenses or
glasses must be paid by the Insured.
3. Other Assistance Services
3.1 Travel Expenses to the Place of Residence in case of Trip
Interruption due to Theft, Total Loss or Repair of the Vehicle
If the insured vehicle is declared as a total loss, as a stolen car or repairs
take longer than 10 days, The Service Provider shall pay for the Insured
and the Occupants (maximum 5 Occupants) return expenses to their place
of permanent residence by land or air in tourist class. The Service Provider
may also pay for the expenses to continue the trip to the original destiny
as long as the cost does not exceed the cost of transportation to their
permanent residence.
3.2 Cash Advance
In the event that the Insured suffers a robbery involving physical or verbal
violence and is deprived of his cash, the assistance provider may provide
the Insured with a cash advance previously authorized by The Insurer for
a maximum of US$1,000 (one thousand United States dollars). This
amount must be returned to the Provider within 3 business days following
its delivery.
3.3 Transmission of Urgent Messages
The Provider, at the request of the Insured and in the event of an
emergency, will take and transmit urgent messages on behalf of the
Insured.
3.4 U.S. Information State Travel Advisory Department
At the request of the Insured, the Provider will send the Insured
information provided by the US Department of State, on travel alerts,
public announcements and consular information, during their trip through
the Mexican Republic.
3.5 Telephone Connection with Embassies and Consulates
At the request of the Insured, the Provider will coordinate the telephone
connection with Embassies and Consulates in Mexico.
3.6 Translation Service
In case of accident of the Insured and at his request, the Provider will offer
emergency simultaneous translation to facilitate communication between
the Insured and his companions with the authorities, adjusters, legal,
medical and road assistance or others.
4. Legal Assistance
Services covered by Legal Assistance.
4.1 Assistance and Legal Defense for Car Accidents or Total Theft
The provider, through its lawyers, will provide legal assessment and
defense to the Insured in the event that he or she is involved in an
automobile accident involving the insured vehicle that results in Third
Party Liability or criminal liability for damage to third parties to their
property or bodily injury.

In any civil or criminal process due to a car accident within the coverages
of the Policy as well as in the event of total theft of the insured vehicle, the
provider will guarantee the presence of a lawyer for the legal defense and
assessment of the insured from the beginning of the process until the
moment the Insured is sentenced and / or the proceedings are correctly
and completely closed in order to establish the Investigation Folder and
property accreditation before the Mexican authorities in the case of Total
Theft are properly and completely completed. The provider agrees to:
a) Arrange the release of the Insured and/or Driver in accordance with
applicable legislation,
b) Perform the necessary procedures for the return of the Insured vehicle.
c) Guarantee release of the Insured and/or Driver, and the release of the
Insured vehicle through bail or bond, up to
a maximum of US$30,000 dollars or its equivalent in local currency at
the exchange rate published in the Official Federation Gazette on the
date of the loss. However, if a bail bond is required to compensate the
damages to third parties, the limit of the legal bail bond shall be equal
to the sum insured stipulated in our Third Party Liability coverage.
d) Always accompany the insured before the Mexican authorities to
comply with their procedures to file complaints, compose the
Investigation Folder and support them with the prove the ownership
paperwork process.
The Service Provider shall pay all costs and expenses derived from the
insured vehicle driver’s legal defense.
In case of total theft of the insured vehicle, when recovered by the
corresponding authority, before the Insured receives compensation from
the Insurer, The Service Provider will assist the Insured through any of its
lawyers to complete the necessary procedures to recover the vehicle from
the corresponding public authorities.
In the event that the insured vehicle has already been compensated by
the Insurer and subsequently recovered by the competent authority, the
Provider and per the request in writing of the Insurer, may, through one of
its representatives, carry out the accreditation and recovery management
and will carry out the necessary procedures for the release of the vehicle
before the competent authorities, the Insurer in this case will facilitate and
provide the documentation and special power to the manager chosen by
the provider for the correct accreditation and release of the indemnified
units.
Invariably of the release process, the costs of dragging and safeguarding
the located vehicle the competent authorities will be paid by the Provider
up to a maximum of US$250 (two hundred and fifty American dollars) or its
equivalent in Mexican pesos at the time of the release date.
The Provider will pay the expenses of fees derived from the management
of the lawyer or manager in charge of the release of the insured unit in the
event of a total theft recovered.
4.2 Legal Assistance in Case of Property Damage or Bodily Injury
Against Third Parties
In case the Insured and/or the Occupants suffer detention or imprisonment,
derived from damages caused to a third- party such as bodily injury or
property damage, where applicable, The Service provider will conduct
through any of its lawyers the Insured freedom through the corresponding
Administrative and/or Judicial Authorities. In case a bond is required to
liberate the Insured, such bond will not exceed US$30,000 or its equivalent
in pesos at the rate exchange published in the Official Federal Journal
(Diario Oficial de Ia Federación). Neither the Insurer nor The Service
Provider will be responsible of the non-derived damages from the
automobile compensation.
The Insurer and the Provider will not be responsible for
compensation for damages that were not caused by the
insured vehicle.
4.3 Legal Assistance in Case of Any Type of Accident
If the Insured and/or the Occupants suffered an accident that provokes
bodily injury, The Service Provider, through its lawyers will assist the
Insured and/or the Occupants or their legal representatives, to make all
corresponding legal accusations with the corresponding authorities, such
as the Public Ministry, the Road Federal Police or any other authority to
whom it is a duty to inform depending on the accident’s location.
4.4 Legal Assistance in Case of Suffering Some Type of Crime
In case the Insured suffers any crime, The Service Provider will assess and
assist the Insured in processing all accusations which must be reported to
the corresponding authorities, as well as any other required procedures at
the place where the event took place.
4.5 Legal Assistance in Case of Death
In case the Insured’s and/or Occupants death due to any type of violence
or an insured car accident, the Company will process all proceedings with
the Public Authorities to integrate the investigation, body liberation and
delivery of the body to the Insured’s and / or Occupants families.
4.6 Legal Assistance for the Cancellation of the Temporary Internment
Permit of the Insured Vehicle
At the request of the Insured and in the event that he must cancel the
temporary import permit of the Insured Vehicle, either due to total theft of
total loss due to a risk covered in the insurance Policy, the Provider will
assist in the formalities and procedures to make the cancellation before
the Mexican authorities. This service will be provided only to the Insured
Vehicle, that is, it will not apply to any other vehicle that is not described
on the Certificate of Insurance and/or Policy Specification at the time of
the claim.
I. Obligations of the Insured and / or Occupants of the Vehicle
1. Cautions or Safety Measures
The Insured and or occupant(s) of the insured vehicle are obligated to
carry out all acts that tend to avoid or reduce assistance situations. As
well as abstain from making arrangements or expenses without
having previously consulted The Assistance Company.
2. Duties of the Insured and/or Occupants
a) The Insured or Occupants must call and report any need for assistance
as soon as possible by using the toll free number on the declaration
page of the Policy.
b) The Insured must cooperate with The Service Provider, must provide
all necessary information and fill out any required documents in order
to provide the necessary service.
c) The Insured must not make any arrangements or incur in any expenses
without consulting The Service Provider first and obtaining the
approval from it.
d) The Insured must take reasonable measures to prevent further
damage or decrease its effects for any act that requires the services
provided in this contract.
e) All claims must be reported to The Service Provider immediately and
before leaving the Mexican Republic.
f) At the Insurer’s discretion, the automobile Occupants must have
proof that they have accompanied the Insured in the insured vehicle
during the trip.
II. Exclusions
This Policy does not provide assistance coverages for the
following cases:
1. If the Insured cannot show proof of coverage or cannot
show a valid ID.
2. If the Insured or Occupants cause intentional damage to
their property.
3. Damages caused by the insured under the influence of
alcohol, whatever its degree, any physiological or
psychiatric illness or by the influence of drugs, other than
those medically prescribed by a doctor.
4. Medical coverages shall be excluded if the Insured is
traveling against medical recommendation.
5. If the Insured does not follow his/her obligations as stated
in section 2 above mentioned
6. Incurred expenses by the Insured without The Service
 Provider consent or approval it is an emergency D. Changes in Itinerary and Hotels
situation. To request these services, the Insured must contact the aforementioned
7. If the Insured provides false testimony. contact numbers.
8. Damages caused by service delay due to force majeure E. Responsibilities
or reasons beyond The Service Provider control such Trips require an optimal state of health, so the Insurer and the
as weather, public authorities, etc. “Provider” are not responsible for personal accidents or health
9. When the vehicle directly participates in races or mishaps of the “Insured” that occur during the trip or their stay in
competitions or safety, resistance or speed tests. hotels, or for pre-existing diseases and those conditions that you
suffer.
10. Damages caused from traveling on nonconventional or
Regular trips are family activities that have no age restrictions, except
non-municipal roads. for adventure trips.
11. If Insured runs away an accident scene. F. Cancellations, Refunds and Penalties
12. If the Insured is involved in any criminal or illegal activity or All cancellation, reimbursement and penalties depend on the policies
established by each Provider that grants the services during their trip,
if he/she is a fugitive of the law. call them, provider of flights, accommodation, excursions, cruise,
13. Damages that result from inadequate maintenance or tours, transfers, car rental and others not specified.
modifications to the automobile. G. Acceptance of the Conditions
Any formalized reservation implies the express acceptance of these
14. Losses derived from strikes, riots, insurrection, war, General Conditions by the “Insured” user of the services and the
terrorism, civil war, popular uprising, nuclear activity, “Provider”.
etc. H. Modifications of Rates and Benefits
The “Provider” and related service company reserve the right to make
changes in rates and benefits without prior notice and to apply
2. Terms and Conditions for Travel Benefits restrictions as long as the Insured has not received written confirmation
from the “Provider”.
The Insurance Company provides the following benefits to its Policyholders
through “Travel Services Provider” hired for such purposes under the terms 2. Tourist Information
and conditions set forth below. Upon the Insured’s request, The Service Provider shall provide information
by phone related to:
1. Benefits Offered When Traveling to Mexico • Museum schedules, sports and cultural events, theater, shows,
concerts or similar
To apply for travel benefits it is necessary to have your insurance Policy in
force and call the following telephone numbers or send an email to:
• Weather reports in the Mexican Republic
• Restaurant reservations
To request these services, the Insured must contact the following
From Abroad (U.S.A and Canada) 1 855 255 3165 telephones or send an email:
From Mexico: 800 700 8252 or 55 5584 6850 From Abroad (U.S.A and Canada) 1 855 255 3165
Email: reservaciones@whymktgroup.com From Mexico: 800 700 8252 or 55 5584 6850
Email: information@whymktgroup.com
The hours are from 9:00 am to 6:00 pm Monday through Friday. Mexico City
Local Time (Central Time).
The hours are from 9:00 am to 6:00 pm Monday through Friday. Mexico
City Local Time (Central Time)
If the Insured wants, he or she can access directly to:
www.bestbenefits.com.mx/whymktgroup
3. Information of Temporary Import Permit and Customs in Mexico
The following services will be provided: Foreigners or residents abroad who travel to Mexico in a vehicle with a
foreign license plate and go beyond the border strip must pass customs
• Lodging: Lodging Reservations in plans that the selected Hotel and immigration. The strip of the border of Mexico with the United States
provides, such as European Plan, Breakfast Included Plan, All Inclusive
extends 21 kilometers to the south and includes the States of Baja
Plan or similar.
California, and certain areas in the State of Sonora.
• Travel Packages: Reservations that include Lodging, Flight, Intercity The Insurer provides the following assistance services to its Insureds
Transfers, Tours. through “the Provider” contracted for such purposes, under the terms and
• Travel Circuits: Reservations that include Lodging, Flight, Intercity conditions established below. The assistance service of this Policy is
Transfers, Tours. limited only to those described in this section.
• Cruise ships. The Provider will provide the assistance service to the Insured who has a
valid Tourist Auto insurance Policy, either before the vehicle with a foreign
The tourist assistance provider will coordinate the reservations and options license plate enters Mexico or during their stay in the country.
mentioned for the Insured. Reservations and rates for Airplane, Boat and
Car Rental tickets. To request these services, the Insured must contact the following
telephones or send an email:
The generated costs will always be in charge of the Insured. From Abroad (U.S.A and Canada) 1 855 255 3165
A. Duration of Benefits From Mexico: 800 700 8252 or 55 5584 6850
The duration of the benefits granted to the Insured are during the time that Email: information@whymktgroup.com
the Auto Insurance Policy is in force and paid at the time of the request for
this service. The hours are from 9:00 am to 6:00 pm Monday through Friday. Mexico
B. Reservations City Local Time (Central Time)
All reservations must be requested from the phones mentioned or via e-
mail: reservaciones@whymktgroup.com A. Temporary Import Permit for Foreign Vehicles that Travel to Mexico
C. Payment The “Temporary Import Permit for Foreign Vehicles” is the document by which
All services requested via online, telephone or email must be paid 100% foreigners or residents abroad can enter Mexico with a foreign plate legally and
to receive your confirmation. In the cases of going through other forms for a specified period, having to return the same vehicle during the authorized
of payment, you must present a payment voucher for the contracted period.
services (Hotel and Packages) for identification and granting of the The temporary import permit for foreign vehicles entering Mexico is
same. mandatory and the only entity authorized by the SAT, decentralized entity
of the Ministry of Finance and Public Credit, to submit this permit is Banco
del Ejercito Fuerza Aérea y Armada (Banjercito).

Support services include information related to:
1. The people who can obtain the temporary import permit for the
vehicle with a foreign license plate and what are the documents they
have to present to obtain it.
2. The places where temporary vehicle import permits are issued.
3. The periods of the permits which can depend from the Migratory
conditions at the moment.
4. The cost of the temporary import permit, which will depend on where
and how it is acquired.
5. The amount of the guarantee deposit for the temporary importation of
the vehicle, which will depend on the model year of the vehicle, where
and how the import permit is canceled and how the return of the
guarantee is processed.
6. What to do when the vehicle with a temporary import permit was
declared a total loss or stolen in Mexico or if the permit expires when
the vehicle is under repair by accident.
7. What are the fines and penalties for entering a vehicle with a foreign
license plate without permission and / or for not returning it to its
country of origin on time.
8. Where would someone cancel the permit and what happens if it is not
canceled?
B. Assistance in relation to the temporary import permit for foreign
vehicles in Mexico.
The customs authority that depends from the Tax Administration
Service (SAT) is responsible for monitoring the entry of foreign
merchandise into national territory, so it is important to know the
applicable regulations, requirements, procedures, costs, and
obligations that must be met.
In the same way, it is relevant to know what merchandise from abroad
can be entered into Mexico inside the vehicle, what the luggage is
made of, the amount of the franchise to which it is entitled and the cost
of the tax that, if applicable, must be paid.
Support services include information related to:
1. What is the franchise to which you are entitled and how much is
increased in special periods.
2. What is the type of merchandise allowed and not allowed.
3. What is the applicable procedure in case the goods that intend to
enter Mexico exceed the value of the franchise and how the franchises
of the members of the same family can be accumulated if they arrive in
national territory at the same time and within the same vehicle.
4. New or used goods in accordance with customs legislation, which forms
part of the luggage of passengers on international trips, as well as
allowed animals.
Exclusions
1. The Provider is only obligated to provide advice by
telephone or email, so that at no time will field,
documentary, written and similar procedures be carried
out.
2. The Insurer and the Provider will not intervene in any
procedure or management before the corresponding
authorities or whoever, they will only provide the required
advice, which will always be in accordance with what is
established by current legislation.
3. The Insurer and the Provider dissociate themselves from
any illegal situation in which the Insured is involved or in
any breach in customs matters incurred.
4. In the event that the Insured cannot prove that he / she has
a valid insurance Policy.
In compliance with Article 202 of the Law of Insurance Institutions and
Surety, the contractual documentation and technical note comprising this
insurance product, they were registered with the Comisión Nacional de
Seguros y Fianzas, as of the December 1st, 2020, under number CNSF-
S0039-0525-2020/CONDUSEF-004669-03
Booklet of Basic Rights of the Contracting Parties, Insured and
Beneficiaries (Vehicles)
Before and during contracting the Insurance, our Insured have the
following rights:
1. To request from agents, employees and legal representatives their
identification as evidence of their status as such.
2. To ask to be informed about the amount of the Commission which
applies to the broker for the sale of the Insurance.
3. To receive all information allowing one to learn about the general
conditions of the Insurance, including the scope of the coverage
contracted, how to maintain such coverage, as well as how to
terminate the insurance contract.
During our handling of the occurrence, the Insured shall have the
following rights:
1. To receive the payment of benefits resulting from insured amounts,
although the premium of the insurance contract may not have been
paid, provided that the grace period for its payment has not lapsed.
2. Comprehensive advice regarding your claim by a representative of the
Company.
3. The Insured has the right to know that the Company may decide, as
established in the Policy, to repair the insured vehicle or pay
indemnification therefor, informing the insured about the bases, the
criteria to be followed and the options, as well as to receive the relevant
documentation covering repair/indemnification for the loss.
4. The Insured shall have the right to receive legal support during the
handling of the occurrence by the company’s legal department or that
of a third party authorized for such purposes, if necessary, and
provided that the insured has the applicable coverage.
5. To contact the Company and express his opinion to the supervisor
responsible for the adjuster about the service or advice received.
6. To receive information regarding the processes following the loss.
7. To charge the Company indemnification for past due, in the event of failure
to make timely payment of the sums insured.
8. To request issuance of a technical report from the National Commission
for the Defense of Users of Financial Institutions (CONDUSEF) in the
event that a claim has been filed, and the parties have not yet submitted
to arbitration.
In the case of dispute, the Insured has the right to file a claim, complaint,
inquiry or request for clarification with the Specialized Customer Care Unit
at uneseguros@chubb.com
Primary policies and procedures which adjusters shall follow:
1. Verbally identify themselves as a Company adjuster.
2. Ask about the well-being of the insured as well as that of their
companions.
3. Explain, in a general manner, to the Insured the procedure to be
undertaken during the handling of the loss.
4. As a representative of the Company, advise the Insured about the
procedures following the loss.
5. Obtain a statement regarding how the occurrence took place
and other administrative information so that the Company can
support the admissibility of same.
6. Hand out a privacy notice in the event that personal information is
collected.
7. Give the Company the file with the information collected about the loss.
In compliance with the provisions of article 202 of the Insurance and Surety
Law, the contractual documentation and the technical note that make up this
insurance product were registered with the National Insurance and Surety
Commission, from day January 19th 2018, with the number RESP-S0039-
0477-2015/CONDUSEF G-003110-01.